Synergy In The Utilization Of Productive Zakat: A Case Study Of Baznas And The Provincial Government Of Bengkulu
DOI:
https://doi.org/10.37638/bima.6.1.383-392Abstract
Purpose: This study investigates the synergy between BAZNAS and the Provincial Government of Bengkulu in utilizing productive zakat through the Business Cart Assistance Program to empower mustahik economically. Methodology: A descriptive qualitative approach was employed, using interviews, observations, and document analysis. Data were validated through triangulation and trustworthiness criteria such as credibility, transferability, and confirmability. Results: From 2021–2024, 60 business carts were distributed, leading to increased income for many beneficiaries. Institutional synergy enabled efficient targeting, planning, and fund utilization. Findings: Despite positive outcomes, challenges included low entrepreneurial motivation, misuse of carts, and weak monitoring. Some recipients abandoned or misused the assistance. Novelty: The study uniquely explores productive zakat implementation through local government collaboration—a rarely documented model. Originality: This is among the first studies evaluating a zakat-based empowerment model integrating formal government roles at the provincial level. Conclusions: The program enhances economic independence among mustahik but requires stronger regulations, entrepreneurship training, and consistent monitoring to ensure sustainability. Type of Paper: Empirical research paper using a qualitative case study method.
References
Ahmed, H. (2004). Role of zakah and awqaf in poverty alleviation. Islamic Research and Training Institute (IRTI).
Amirah, N., Sulfinadia, H., Islam, U., Imam, N., & Padang, B. (2024). Pembagunan berkelanjutan (SDGs): Sociopreneur zakat produktif sebagai upaya pengetasan kemiskinan, 10.
Dewanty, W., & H. N. B. I. (2020). Program Gerobak Usaha BAZNAS Provinsi Bengkulu dalam meningkatkan kesejahteraan mustahik di Kota Bengkulu, 1(3).
Farooq, M. O. (2019). Zakat-based poverty alleviation: A roadmap for pro-poor growth in Muslim countries. Review of Islamic Economics, 23(2), 145–168.
Hadi, R., Shofwa, Y., Lamela, D., & Riyadi, S. (2024). Digital zakat management, transparency in zakat reporting, and the zakat payroll system toward zakat management accountability and its implications on zakat growth acceleration Rahmini, 8. https://doi.org/10.5267/j.ijdns.2023.8.025
Hassan, M. K., & Khan, F. (2007). Zakat, sadaqa, and charity: An overview. In M. K. Hassan & M. K. Lewis (Eds.), Handbook of Islamic banking (pp. 293–305). Edward Elgar.
Kahf, M. (2007). Islamic philanthropy: Scope and implications. Islamic Economic Studies, 15(2), 1–28.
Latief, H. (2022). Social protection through zakat: The role of Islamic charity in times of crisis. Asian Journal of Social Science, 50(1–2), 90–110.
Melwani. (2024). Implementasi Undang-Undang Nomor 23 Tahun 2011 tentang pengelolaan zakat sebagai upaya penanggulangan kemiskinan di Pasaman Barat.
Mohieldin, M., Iqbal, Z., Rostom, A., & Fu, X. (2012). The role of Islamic finance in enhancing financial inclusion in OIC countries. The World Bank.
Musa, A. (2020). Pendayagunaan zakat produktif (Nurdin, Ed.).
Obaidullah, M. (2016). Introduction to Islamic microfinance. IBF Net.
Retsikas, K. (2014). Zakat in Indonesia: The elaboration of a faithful practice. Bijdragen tot de Taal-, Land- en Volkenkunde, 170(2–3), 237–262.
Shaikh, S. A., Ismail, A. G., & Shafiai, M. H. (2017). Efficiency in zakat institutions: A study of selected organizations in Malaysia. Journal of Islamic Accounting and Business Research, 8(3), 342–361.
Sobah, A. N., Yanuar, F., Rifai, A., Islam, E., & Husain, S. A. (2020). Konsep ekonomi Islam dalam peningkatan kesejahteraan mustahiq melalui zakat produktif (BAZNAS) Kabupaten Purworejo. 6(03).
Syahbana, A. I., & Anita, D. (2023). Distribusi zakat produktif dalam peningkatan kesejahteraan mustahiq di BAZNAS Kota Tangerang Selatan menurut Undang-Undang Nomor 23 tahun 2011 tentang pengelolaan zakat. 6(1).
Wahab, N. A., & Rahman, A. R. A. (2011). A framework to analyse the efficiency and governance of zakat institutions. Journal of Islamic Accounting and Business Research, 2(1), 43–62.
Yunus, A. R., Putra, T. W., & Angreni, R. (2023). Strategic initiatives for elevating muzakki engagement in zakat contributions at Baitul Maal: A comprehensive management approach. 8(2).
Zakariya, A. F., Syuhana, E., Islam, U., Jawa, M., Rosida, I. N., Tinggi, S., Islam, A., Senori, S., & Jawa, T. (2024). Pengelolaan zakat produktif sebagai pembangunan kesejahteraan masyarakat secara berkelanjutan di Indonesia. 07.
Downloads
Published
Issue
Section
License
An author who publishes in the BIMA JOURNAL: Business, Management, and Accounting Journal agrees to the following terms:
Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under the Creative Commons Attribution-ShareAlike 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal
Submission of a manuscript implies that the submitted work has not been published before (except as part of a thesis or report, or abstract); that it is not under consideration for publication elsewhere; that its publication has been approved by all co-authors. If and when the manuscript is accepted for publication, the author(s) still hold the copyright and retain publishing rights without restrictions. For the new invention, authors are suggested to manage its patent before published. The license type is CC-BY-SA 4.0.
BIMA JOURNAL: Business, Management and Accounting is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
You are free to:
Share — copy and redistribute the material in any medium or format
Adapt — remix, transform, and build upon the material
for any purpose, even commercially.
The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
- You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation.
- No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
